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1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 2.0 2.1 2.1a 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.9 2.10 2.11 2.12 3.0 3.1 3.2a 3.2b 3.3 3.4 3.5 4.0 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 4.11 4.12 4.13 4.14 4.15 4.16 4.17 Indicator SAMPLE Sample villages Sample SHGs SHGs >/= 4 years old Average age of SHGs (yrs) SHGs promoted by: Table 2.3 Profile of sample SHGs in Light and Shades Study NGO Government Bank Average members/SHG Average distance from bank (km) SHGs in federation or cluster SHGs provided mF+ OUTREACH Village household coverage in SHGs SC/ST household coverage (North) Single caste SHGs Functionally literate SHGs % SHG members: poor SC ST women heads of households completed primary school or above casual labour as main activity SHGs with dropouts Rate of dropout Rate of dropout among the poor SOCIAL ROLE POLITICS (panchayat) SHGs with members elected Elected women representatives - n - proxy - engaged/active SOCIAL & COMMUNITY ACTION SHGs acted on social justice issues SHGs engaged in community activities SHGs involved in group enterprises SUSTAINABILITY/FINANCIAL ROLE GROUP RECORDS Good/adequate quality records Weak recordsa Book keeping by: - SHG office bearer - SHPA staff - other (paid/unpaid) Up-to-date passbooks (within 6 months) FINANCIAL TRANSACTIONS [n=sample groups applicable or with data] Average monthly savings/member (Rs) Average group fund - incl profit (Rs) Average member savings (Rs) SHGs that have had external loans SHGs with external loans outstanding Average external loans (Rs): - cumulative [n=164] - outstanding [n=121] Internal lending: outstanding/SHG (Rs) [n=190] - mean - median Charging =/>24% annual interest Borrowers/total members [n=189] b Average loan/borrowing member b (Rs) Std deviation SHGs lending to non-members FINANCIAL VALUE SHGs with a current profit For SHGs with a current profit [n=106] Current return: -on total assets -on member equity (own savings) Overdues at group level >/= 1 year [n=155] % SHGs % 'portfolio at risk' (PAR) [n=91] Average 'PAR' (Rs) DEFUNCT/BROKEN GROUPS Inactive SHGs (% total formed) in sample villages South North AP Karnataka Orissa Rajasthan 28 60 54 5.8 23 31 6 12 6.2 97% 90% 43% - 63% 72% 53% 7% 13% 13% 20% 22% 43% 7% 9.0% 23% 14 7 7 25% 42% 20% 45% 52% 65% 7% 28% 59% 36 28,900 2,400 60 40 105,500 60,500 70,900 49,000 83% 96% 6,700 3,180 23% 53% 6.2% 12.6% 66% 35% 34,300 7.9% Overall Note: (a) Records not accessible in 6% of sample groups. (b) there are different time periods for the regional samples, with higher levels of borrowing in the south: the south sample covers the previous one year; the north sample covers time since group formation - northern sample. 38 16 51 47 5.7 27 2 22 14 2.8 29% 57% 23% - 69% 45% 61% 45% 10% 16% 8% 45% 47% 10.5% 9.9% 18% 12 8 4 - 20% 16% 60% 37% 22% 6% 73% 83% 74 45,900 3,300 51 32 105,700 89,000 98,500 74,100 92% 93% 13,000 7,360 14% 47% 7.2% 15.5% 46% 12% 24,700 1.7% 31 50 42 5.1 42 8 14 2.1 56% 46% 35% 53% 74% 50% 58% 41% 35% 14% 8% 45% 56% 9.5% 8.0% 14% 7 1 6 10% 22% 28% 65% 34% 14% 64% 22% 70% 29 17,100 1,200 42 38 72,000 29,800 27,400 19,000 86% 93% 5,600 3,150 22% 45% 2.9% 5.1% 41% 9% 5,400 9.9% 33 53 50 6.9 45 8 15 2.2 53% 51% 21% 24% 60% 36% 34% 27% 41% 3% 2% 39% 66% 12.2% 17.3% 19% 11 3 8 11% 36% 23% 62% 36% 19% 38% 43% 76% 43 43,000 2,800 37 22 127,100 61,400 76,000 67,500 78% 91% 13,400 7,070 11% 52% 7.8% 9.1% 12% 2% 11,400 10.9% 108 214 193 5.9 137 49 28 14 3.5 60% 62% 29% 66% 51% 51% 30% 25% 11% 10% 38% 52% 9.8% 10.1% 19% 44 43% 57% 12% 30% 21% 54% 40% 31% 28% 41% 72% 45 33,700 2,400 190 132 102.300 58,600 69,100 48,000 83% 18% 50% 6.5% 11.0% 45% 17% 24,200 7.0%
Progress under the SHG Bank Linkage Programme By SHPA 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 2.0 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.9 2.10 2.11 3.0 3.1 3.2 3.2a 3.2b 3.3 3.4 3.4 4. 4.1 4.2 4.3 4.4 4.5 4.6 4.7 4.8 4.9 4.10 4.11 4.12 4.13 4.14 4.15 Indicator SAMPLE Sample SHGs SHGs >/= 4 years old Average age of SHGs (yrs) SHGs in: AP Karnataka Orissa Rajasthan Average members/SHG Average distance from bank (km) SHGs in federation or cluster SHGs provided mF+ OUTREACH Single caste SHGs Functionally literate SHGs % SHG members poor SC ST women heads of households completed primary school or above casual labour as main activity % SHGs with dropouts Rate of dropout Rate of dropout among the poor SOCIAL ROLE POLITICS (panchayat) SHGs with members elected Elected women representatives - n - proxy - engaged/active SOCIAL & COMMUNITY ACTION SHGs acted on social justice issues SHGs engaged in community activities SHGs involved in group enterprises SUSTAINABILITY/FINANCIAL ROLE GROUP RECORDS Good/adequate quality records Weak records a Book keeping by: - SHG office bearer - SHPA staff - other (paid/unpaid) Up-to-date passbooks (within 6 months) FINANCIAL TRANSACTIONS [n = sample applicable or with data] Average monthly savings/member (Rs) Average group fund -incl profit (Rs) Average member savings (Rs) SHGs that have had external loans Average external loans (Rs): - cumulative [n=164] - outstanding [n=121] Internal lending: outstanding/SHG (Rs) [n=190] - mean - median Charging =/> 24% pa interest South sample for previous year [n=102]: Borrowers/total members Average borrowed/borrowing member (Rs) Std deviation SHGs lending to non-members FINANCIAL VALUE SHGs with a current year's profit For SHGs with a current profit [n=106] Current return: -on total assets -on member equity (own savings) NGO Government Bank Overall 137 126 6.3 23 27 42 45 14 3.4 41% 73% 61% 47% 48% 28% 35% 10% 7.5% 39% 57% 10.7% 12.0% 20% 31 32% 68% 11% 37% 25% 61% 36% 25% 35% 40% 72% 42 35,200 2,500 119 101,800 53,500 72,200 51,120 82% 94% 12,445 11,455 17% 50% 6.0% 9.5% 49 41 5.2 31 2 8 8 13 3.5 17% 67% 69% 65% 55% 21% 7% 14% 14.6% 22% 49% 7.8% 7.0% 14% 8 4 4 18% 14% 16% 32% 53% 41% 20% 39% 66% 40 27,900 2,100 43 91,900 48,900 58,500 48,000 89% 98% 7,220 5,260 24% 55% 7.9% 15.6% 28 26 5.0 6 22 13 3.7 2% 86% 50% 61% 54% 4% 12% 11.8% 58% 32% 8.2% 8.3% 16% 5 5 7% 25% 14% 61% 36% 46% 4% 50% 80% 69 34,500 2,700 28 120,700 88,500 80,400 45,410 79% 93% 10,050 8,590 11% 39% 7.0% 13.5% 214 193 5.9 60 51 50 53 14 3.5 60% 62% 66% 51% 51% 30% 25% 11% 9.5% 38% 52% 9.8% 10.1% 19% 44 43% 57% 12% 30% 21% 54% 40% 31% 28% 41% 72% 45 33,700 2,400 190 102,300 58,600 69,100 48,000 83% 95% 10,370 9,630 18% 50% 6.5% 11.0% Note: Records not accessible in 6% of sample groups. Source: EDA Rural Systems and APMAS, 2006, “Self Help Groups in India: The Light and Shades of SHGs", for CRS, USAID, CARE and GTZ/NABARD, CARE India. 39
Page 3: Microfinance in India A State of th
Page 6 and 7: List of Tables Page No Table 2.1 Gr
Page 8 and 9: Preface and Acknowledgements This r
Page 10 and 11: Abbreviations ABC ADB BC BF CAR CAG
Page 13 and 14: CHAPTER 1 Overview and Summary of M
Page 15 and 16: Overview and Summary of Main Recomm
Page 27: Overview and Summary of Main Recomm
Page 30 and 31: 1 1a 1b 2 2a 2b 2c 3 3a 3b 3c 4 4a
Page 32 and 33: The Light and Shades Study A major
Page 34 and 35: highest proportion of weak records
Page 36 and 37: their profitability after accountin
Page 38 and 39: allow the programme to grow organic
Page 42 and 43: Endnotes 1 It is very hard to compa
Page 44 and 45: as cash with the groups, the true r
Page 46 and 47: linkages", 11 percent 3rd, and 5 pe
Page 48 and 49: References APMAS (AP Mahila Abhivru
Page 51 and 52: CHAPTER 3 Progress Under the MFI Mo
Page 53 and 54: Progress Under the MFI Model is fun
Page 55 and 56: Table 3.4 Comparative performance i
Page 57 and 58: Progress Under the MFI Model on lit
Page 59 and 60: Progress Under the MFI Model 4 Howe
Page 61: Progress Under the MFI Model Refere
Page 64 and 65: MFIs, and the need for MFIs to plou
Page 66 and 67: size had actually come down during
Page 68 and 69: The point at which peer group press
Page 70 and 71: The lack of contact and communicati
Page 72 and 73: Box 4.1 Continued 4. MFIs will coll
Page 74 and 75: Endnotes 1 There will be many disag
Page 76 and 77: 19 The base suicide rate in AP is 1
Page 78 and 79: References APMAS, 2005, "A Report o
Page 80 and 81: (such as cattle and houses), and co
Page 82 and 83: The advantage of the provider model
Page 84 and 85: Some lessons learnt from experience
Page 86 and 87: Box 5.2 VimoSEWA: Synergies between
Page 88 and 89: 86 Table 5.1 Main Feature of Health
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Endnotes 1 While the microinsurance
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16 A little less than a fifth of th
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29 The rationale for transfer progr
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Roth, James and Vijay Athreye, 2005
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Issues and priorities for action re
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Endnotes 1 See for instance CGAP (2
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100
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such as Chaitanya who soon became s
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money to support operational expens
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finance, and the microfinancial ski
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Box 6.1 Continued in experts and to
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Endnotes 1 In a sense it always was
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16 Examples are Margdarshak in Luck
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114
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Table 7:1 Commercial bank exposure
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The main constraints to the expansi
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further review, RBI has modified th
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9 Thus ICICI has sold some of its b
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B. Equity Investments by the Ventur
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Figure : The Bellwether triangle Lo
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Despite the weaknesses the public s
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Box 7.1 Continued foreign sources o
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Endnotes 1 At this point they will
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References ACCION, 2003, "The Servi
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SIDBI Foundation for Micro Credit (
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categories, depending on the amount
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The distribution of total disbursem
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Endnotes 1 It should be noted that
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B. Donor Participation in Indian Mi
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this has dropped to 8% on the curre
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and poor populations. More directly
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and expansion of available retailer
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11 SDC through various programs for
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154
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1.1 Impact evaluation of Spandana's
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in the loan tenure of 24 months. Th
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There are two main motivations of a
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compensation structures used by Ind
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Endnotes 1 By Annie Duflo, Anvesha
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29 The main components of direct tr
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